Esurance Reviews

2.4 stars out of 5 based on 65 reviews from actual customers

Overall Rating

Price

Service

Claims

Founded in 1998, Esurance became one of the fastest growing auto insurance companies in the United States. Once known for their pink-haired superhero agent, Erin, Esurance – now an Allstate company – is a popular destination for online car insurance shoppers. The following Esurance insurance reviews are from actual customers.

Esurance is not a traditional auto insurance company. They primarily reside online with agents selling their policies throughout the country. They seem to simplify the buying process and live up to their former ‘Quote. Buy. Print.” tagline. If you have Esurance car insurance, leave a review about your experience – good or bad. To see reviews for a different company, checkout these auto insurance reviews.

Reviews (65)

Jeff Y

After buying a an almost brand new vehicle i started my search for a new auto insurance company. My previous vehicle, which i still own, was on another large insurance company’s plan with my family. I felt like i was getting ripped off so i decided to shop around for insurance on my new vehicle.

I got quotes from many of the larger companies and also some smaller ones. For the most part they were all in the same price range and i couldn’t understand why. I had never been in any accidents or ever pulled over in the 10 years i have been driving. I finally went online to esurance after seeing a commercial and i got a quote online. It was cheaper then all the other companies quotes by about 20 dollars.

I then called Esurance to talk to a representative. There was a very minimal wait time and i was talking to someone who spoke very clear english. That is always a plus with customer service. After going over my plan with him he then changed some options to make it even cheaper for me! I have been with Esurance now for over a year and I am still happy with them.

Even though after the first 6 months they increased my monthly payment by 2 dollars which i did not understand at all. But none the less i am still happy and will continue to be an Esurance customer for quite some time

Tip

This is the worse insurance to I have ever have. If you have to make claim with them and want your vehicle fixed look somewhere else. All they want to do is collect premium and drag their feet on your claim.

Al

waste of time
they will require you to pay 300 $ after you go through the long online offer whicH ONLY LOOKS GOOD ON THE SURFACE
or worse they say TAKE it or LEAVE IT!!
UNBELIEVABLE
P.S : they may charge you for the 300 after 6 months it’s their new dirty trick

Alex P.

Esurance is an absolute nightmare if you have to file an expensive claim. I have struggled with them for two years after my then husband ran over something on the highway. There was some pre-existing scratches to outside of the vehicle and grill because he didn’t take care of the car, but nothing pre-existing under the car. They covered the scratches on the outside of vehicle and said the damage under the car, which had damaged the transmission of the Mercedes and ripped the wiper fluid tank.was pre-existing damage and they refused to cover it. The transmission of my car will cost at least $8,000 to repair and they will not even pay for the tear down for an assessment. They want me to pay for the tear down and will only cover it if they find themselves at fault–what a thieving bunch of criminals this company employs! I am now with Ameriprise through Costco who charges far less, and is a much better company. Do not make the mistake I did–Esurance is little more than a scam company pretending to insure your vehicles. I would have given zero stars but have to give them at least one. You can do far better with Ameriprise or Amica, reputable companies with very decent pricing and excellent service.

steven jones

Esurance is not a hands on company. You receive different information from everyone you talk to. They canceled my policy after they couldn’t make money on my wife because she was an excluded party a non driver. Then they wanted to issue me a new policy with a rate of about 300.00 more than I original paid. They are a rip off
Not happy.

Dave

Esurance has continued to increase rates on me, while being extremely dishonest. I recently moved back to my home state. I had trouble verifying my new address so Esurance increased my rate to my original home address promising that once I could verify my address they would bring my rate back down to the original quote. Once I verified my new address they increased my quote again! My rate is now $200 more a year from the original quote of the same address.

Each customer service rep I talked to in the underwriting department was rude, short, and unhelpful. Esurance is dishonest and, in this case, fraudulent. I would not recommend them to any one.

I have a perfect record. I never had a speeding ticket or had to file a claim, and thank goodness I didn’t. If dealing with them now is so difficult, I couldn’t imagine what it would be like to deal with them in a real situation.

n8

I just talked with someone on the phone to try to get a quote from esurance and the guy was a total jerk. I wasn’t comfortable giving out my social security number or drivers license number at the time and after I said that he just said quickly “ok, have a nice day, bye” and hung up on me. Never going to try dealing with this company again.

Justin

Please read this………..do NOT purchase esurance, there are MUCH better options for you.

Long story short, I was recently screwed over by esurance. Both in terms of contract pricing, amount of monthly cost, and termination fee. Its clear esurance is NOT the same company it was when it was founded. I would caution all consumers from using esurance and would suggest to comparison shop and look for a better alternative.

I never write reviews, but I’ll be writing them all day for how poorly my experience was with esurance. By far, the worst car insurance company I’ve ever delt with.

A Dougherty

I switched from Progressive to Esurance about a year ago because I wanted to lower my bill. Esurance was about $30/month cheaper with the same coverages as Progressive so I decided to switch.

Switching was very easy. The main difference between other insurance companies and Esurance is that you have to print out your own ID cards and they never send anything in the mail. Progressive would send out 7-page declarations page every time I made a change to my policy or any time it renewed. They would also provide the ID cards, which was nice. I never remember to print out my Esurance cards, but if you download the app on your phone you can have it on your phone for whenever you need it. Less clutter is nice.

You also don’t get your own agent. You get who you get when you call to file a claim. I haven’t filed a claim with Esurance yet, but when I tried to file a claim for my broken windshield, I learned that there was no glass clause and my $500 deductible would apply so I had to pay the full amount to replace my windshield. Progressive has a an option for a $50 windshield deductible, which is nice.

My premium also went up, so if it continues I might go back to Progressive. Progressive offers the snapshot discount so I would like to try that. Overall, Esurance is nice because it is cheaper and reliable since it is backed by All State; however, they don’t offer as many options like Progressive such as the snapshot discount and the “name-your-own-price” tool. Customer service is friendly, but doesn’t do much when you try to lower your premium.

Maddie H

My husband and I have had insurance through Esurance (an Allstate Company) for just over 6 years. We weren’t looking for a relationship, just a company that would take care of business when we needed them to. Esurance is not a “come in and sit down” kind of insurance company. There’s not an office you can go to and have a face to face conversation. This kind of company might deter others who prefer a more personal relationship with their insurance agent. We find it convenient that we don’t have to make an appearance at an office somewhere. We find it convenient to just make a phone call to settle anything we need.

We moved a couple years back to a different state and an Esurance gave us the lowest rate than any other company for the same coverage. I recently even had an Allstate agent try to get a cheaper quote and not even Allstate could give us a better quote. We love that we can do everything by phone or online. We’ve utilized the online bill pay and have printed our insurance cards out whenever we’ve needed them.

We needed a tow and only received fantastic service from the agent we called. He had a tow truck there in minutes and made what was quite an inconvenience for the day, easier to deal with. Anytime we’ve had to make a call, we’ve received friendly service. No plans to switch anytime soon, especially when we’re already getting a better deal than anywhere else and pleasant service.

Jeff Minich

I know everyone’s experience is different, but I’ve been really surprised at how easy it has been to work with esurance. After moving to Colorado I decided to shop around for a new insurance provider. Esurance had the absolute best rates, so I decided to take a chance. Little did I know how soon I would be needing them. My car got caught in one of our infamous summer hail storms here in Colorado and had over 300 dents. I submitted the claim online, took it to a Esurance approved shop for a quote, and a week later my claim check was in the mail. All this required very little back and forth with the esurance… I think I may have spent a grand total of 30 minutes dealing with this claim. That’s efficient! They actually were almost too efficient because while I was working to get my title to the vehicle, they actually sent the claim check too soon payable to my lender and me. I dinged them one star on claims processing for this. Aside from that, they were very fair with the estimates etc. Given all this I think I made a great choice to go with Esurance.

Sarah E

I’ve been with Esurance for a little over six months now and so far I have had nothing but good experiences with them. After a frustrating experience with my previous company I knew I needed to find something better, so I looked around online and got a few quotes from various other insurance providers. Esurance was the one that offered the best rates for what we needed, and they came highly recommended to us by one of my very good friends, so we decided to give them a try.

She uses them for both her car insurance and homeowners insurance, and said they were very helpful when someone broke into her car last year… luckily nothing was stolen, but they were quick to make the repairs she needed to her window.

The online signup was extremely quick and painless, I had absolutely no problems whatsoever with that part. Immediately after I signed up and made the payment, I was able to print off some insurance cards for both me and my husband. We didn’t even need to wait for the official ones to be sent to us in the mail. We switched to Esurance from Geico, which gave us so many problems it stresses me out just thinking about it now! It’s like night and day, and such a huge relief to finally have a hassle free insurance company.

Luckily I haven’t had to make any claims so far, and I pray we never will, but I have faith that this company will have my back if I ever needed them.

Tom W

I would in fact recommend Esurance to other people interested in shopping for and comparing auto insurance companies (and related coverage(s), contract terms & conditions, and the speed, efficiency, and effectiveness of their customer service provisions and claims handling processes).

I initially found the online focus and business model of Esurance interesting, and I believe that this company has proven to offer me overall lower cost, and a better (faster, more effective) customer service experience than a traditional brick and mortar insurance service provider (I was, in the past, with State Farm, Inc.). I have only been a customer of Esurance since January, 2014. However, I had previous experience with approximately three (03) different more traditional brick and mortar automobile insurance carriers over a five (05) year period, each of these former carriers either progressively increased their respective annual rates, or added various surcharges to allow me to continue to obtain preferred rates and/or added contract features and benefits.

I was initially hesitant to try Esurance, because a local insurance provider, like a local financial institution, can often resolve issues in a more immediate, direct and satisfactory way than a remote one. However, Esurance contracts with a number of third-party organizations that have made working with them easier that I had supposed. I found a good deal of positive information online, including information from Consumer Reports, that offered Esurance favorable ratings and reviews. Esurance also presently has an “A+” “AM BEST” insurance-related liquidity rating nationwide. The Esurance headquaters and primary call center is located in Sacramento, CA. I was able to obtain an initial price quote over the phone with the call center, and then I completed the application and approval process online.

Overall, my experience with Esurance in terms of customer service and support has been quite positive. I have found their representatives helpful, patient, informative, and professional in the context of my various contact attempt(s) with them. In addition, I have thus far saved approximately fifteen (15) to twenty (20) percent of what I was formerly spending with a more traditional automobile insurance carrier.